Can administrative institutions buy commercial insurance with public funds?

Yes, please refer to the Provisions on Several Issues Concerning the Use of Personal Commercial Insurance by Government Agencies and Institutions.

In order to standardize the use of personal commercial insurance in government agencies and institutions, maintain the seriousness of financial discipline, strengthen the management of financial funds, and further strengthen the building of a clean government and anti-corruption work, the relevant issues are hereby stipulated as follows:

1. The use of personal commercial insurance by government agencies and institutions mentioned in these Provisions refers to the purchase of various commercial insurance products of commercial insurance companies for cadres and workers, and the unit pays all or part of the premium.

Two, the term "political organs and institutions" as mentioned in these Provisions is divided into the following two categories:

(a) administrative organs and institutions with reference to the management of civil servants. Among them: political organs refer to organs at all levels, organs, administrative organs, CPPCC organs, judicial organs and organs, as well as trade unions, Communist Youth League, women's federations and other organizations at all levels; A public institution with reference to civil service management refers to a public institution with reference to civil service management, which is determined according to the relevant documents of the Ministry of Personnel and local personnel bureaus.

(two) institutions that are not managed by civil servants.

Three, political organs and institutions in accordance with the management of civil servants to handle commercial insurance for cadres and workers, should strictly abide by the following provisions:

Insurance coverage. Personal accident insurance, which is limited to risk compensation, includes traffic accident insurance for official travel, accident insurance for personnel in special posts, and personal accident insurance, a cadre and worker in Tibet, Xinjiang and other western regions.

(2) the scope of the insured. Generally limited to the cadres and workers of the unit, but retirees who participate in collective activities organized by the unit and go abroad for medical treatment can take out traffic accident insurance.

(3) the financial allocation channels of premiums. Traffic accident insurance expenses for official travel shall be included in the travel expenses of the unit. Personal accident insurance expenses for special post personnel, aiding Tibet and Xinjiang to support cadres and workers in the western region should be first charged in the employee welfare expenses accrued by the unit according to regulations; If the employee welfare fund is insufficient, the organ shall pay in the personnel funds, and the institution shall pay in the employee welfare fund.

Four, not in accordance with the civil service management institutions for cadres and workers to handle commercial insurance, should strictly abide by the following provisions:

Insurance coverage. Limited to the accidental injury insurance stipulated in the first paragraph of Article 3 of these Provisions, and the types of insurance related to the establishment of supplementary medical insurance. Supplementary medical insurance can only be provided by institutions that do not enjoy Medicaid or public medical care for civil servants.

(2) the scope of the insured. The scope of the insured personnel of accident insurance shall be implemented in accordance with the provisions of the second paragraph of Article 3 of these Provisions; The coverage of supplementary medical insurance includes on-the-job cadres, workers and retirees.

(3) the financial allocation channels of premiums. Traffic accident insurance such as official travel, special post personnel, aid to Tibet and Xinjiang. Personal accident insurance expenses for supporting cadres and workers in the western region shall be handled in accordance with the provisions of the third paragraph of Article 3 of these Provisions. Supplementary medical insurance expenses are included in social security expenses.

Five, political organs and institutions to handle personal accident insurance for special post personnel, the definition of special post personnel, specific accident insurance types and the amount of insurance funds. , according to the principle of hierarchical management, approved by the provincial and central departments. Among them, the central unit is determined by the Ministry for examination and approval and reported to the Ministry of Finance for the record; Local units shall be determined by the provincial departments and directly affiliated units in consultation with the provincial finance department, and the relevant approval documents shall be copied to the provincial finance department.

Six, not in accordance with the civil service management institutions to establish supplementary medical insurance for cadres and workers, the annual purchase of insurance funds undertaken by the unit shall not exceed 4% of the total wages of the previous year (the total wages shall be implemented according to the caliber of the Bureau of Statistics); The excess purchase of insurance funds shall be borne by the insured, and shall be withheld and remitted by the unit in its salary. Other related matters shall be implemented in accordance with the Notice of the State Council Municipality on Printing and Distributing the Pilot Program for Improving the Urban Social Security System (Guo Fa [2000] No.42) and the provisions of relevant laws and administrative regulations on establishing supplementary medical insurance for enterprises.

Seven, political organs and institutions for personal commercial insurance, the following acts are strictly prohibited:

(a) although within the prescribed scope of insurance, but with the nature of investment dividends;

(two) other forms of commercial insurance beyond the scope of the provisions of this regulation;

(3) Providing any form of commercial insurance for others not covered by the provisions of this Ordinance:

(four) in violation of the provisions of the financial expenditure channels, misappropriation of other funds for commercial insurance, as well as private "small treasury" commercial insurance;

(five) the use of administrative subordination or administrative authority, instructing or accepting subordinate units to handle commercial insurance for their cadres or employees within the scope of supervision;

(six) in the process of commercial insurance, taking advantage of his position to collect "kickbacks" and other acts for personal gain.

Eight, political organs and institutions should be strictly in accordance with the provisions of the above terms, carefully clean up the business insurance for cadres and workers, the relevant policies and regulations are as follows:

(1) Definition of the scope of repayment. Commercial insurance for all units, commercial insurance types that do not meet the above requirements, the scope of insured persons, private "small coffers" or commercial insurance with special financial funds are included in the scope of repaying. Insurance has expired or expired, and individuals have received benefits such as annuities and bonuses. Before the promulgation of these Provisions, they have been surrendered, and individuals who have received surrender money must also be surrendered in full.

If the insured person has died or is receiving medical insurance for serious illness when the regulations are issued, it may not be included in the scope of repaying.

(two) the financial treatment of surrender funds. The surrender funds included in the scope of repaying shall be turned over to the financial department at the same level for commercial insurance with private "small treasury" or special financial funds; Commercial insurance with employee welfare funds, employee welfare funds, trade union funds and other funds shall be recovered by the unit according to the original source of funds. For those who are not included in the scope of loan repayment, but the financial expenditure channels are inconsistent with these provisions, accounting adjustments may no longer be made.

(three) the way to repay the insurance premium. When each insurance company pays the surrender premium to the original insured unit, the surrender premium should be paid to the unit for commercial insurance by bank transfer, and it is not allowed to pay cash or bank deposit certificate directly to the insured; For commercial insurance funded by units and individuals, the surrender premium is distributed by units and individuals in proportion to the payment, and the surrender loss is also shared in proportion. The surrender premium paid by the insurance company to the unit shall be paid by bank transfer.

(four) allow individuals to buy out voluntarily. Under the premise that the insured person voluntarily compensates the premium paid by the unit with personal funds, the individual is allowed to renew the insurance. If the individual buys out voluntarily, the unit shall not make up the money that the individual should compensate the unit or renew the insurance sponsorship for the individual in any form.

(5) Time limit and supervision and inspection. All units should be mainly responsible for, attach great importance to the work of repaying, strictly implement the policies and requirements of these Provisions, and report the results of repaying to the discipline inspection, supervision and financial departments at the same level for the record. Discipline inspection and supervision and financial departments at all levels should strengthen the guidance and supervision of the work of repaying each unit, timely check the progress and quality of the work of repaying each unit, conduct necessary spot checks on the results of repaying, and effectively ensure the implementation of various policies of repaying. All central units and provincial financial departments should carefully summarize the statistics of individual commercial insurance repatriation, form a summary report on repatriation, and report it to the Ministry of Finance before June 30, 2004.

Nine, political organs and institutions at all levels should strictly follow the current financial rules and regulations and the relevant provisions of financial fund management, strengthen their own internal financial management, and put an end to illegal acts as personal commercial insurance.

Units within the prescribed period of repaying refused to self-examination and self-correction, or even fraud, concealment, and after the promulgation of these Provisions, they still illegally handled personal commercial insurance. Once discovered, the insurance funds they purchased were confiscated and turned over to the financial department at the same level; The main responsible personnel of the unit shall be dealt with accordingly in accordance with the relevant disciplinary provisions; If it constitutes a criminal act, criminal responsibility shall be investigated according to law.

Ten, the provincial and central departments can be combined with the actual situation, according to the requirements of the policies and principles stipulated in these Provisions, formulate specific implementation measures and repaying plan, and report to the Ministry of Finance and the Ministry of Supervision for the record.

Eleven, the provisions from the date of issuance. Where the relevant policies formulated and issued by various departments at all levels are inconsistent with these Provisions, these Provisions shall prevail.